Credit & Fraud Operations Analyst — Risk & Insights

bluCognition; United States; Remote; USD 60,000 - 75,000; Full time

Job summary

bluCognition is seeking an Analyst Credit & Fraud Operations to support daily assessment and processing of new customer applications. You will handle manual credit operations, analyze financial data and bank statements, and ensure applications meet eligibility criteria in a fast-paced environment.

The role requires 2+ years in credit operations, strong bank statement analysis, and excellent analytical and detail-oriented skills to maintain data accuracy and compliance.

Qualifications

• 2+ years in Credit Operations, Credit Analysis, Risk Operations, or similar financial services environment.
• Strong working knowledge of bank statement analysis, financial data reconciliation, and review of financial transactions, revenue, and cash flow.
• Strong analytical and attention-to-detail skills, with the ability to identify discrepancies and data quality issues.

Responsibilities

• Utilize SOPs and internal credit tooling to ensure minimum approval criteria is met.
• Review applications to confirm eligibility and required documentation.
• Perform manual analysis of customer bank statements: total credits, debits, balances, activity, revenue indicators.
• Reconcile financial information across bank statements, application data, and other sources to identify inconsistencies.
• Review customer and business information to validate attributes like industry, connectivity, and business details.
• Collaborate with Risk and internal stakeholders to resolve discrepancies and maintain turnaround times.
• Respond to internal stakeholder queries regarding status, requirements, and processing updates.
• Maintain accurate application records, risk data, and daily reporting in internal systems.
• Identify opportunities to improve processes, data quality, and operational accuracy while meeting SLAs.

Skills

Bank statement analysis

Financial data reconciliation

Data quality

Attention to detail

Analytical mindset

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration

Job description

bluCognition is seeking an Analyst Credit & Fraud Operations to support daily assessment and processing of new customer applications. You will handle manual credit operations, analyze financial data and bank statements, and ensure applications meet eligibility criteria in a fast-paced environment.

The role requires 2+ years in credit operations, strong bank statement analysis, and excellent analytical and detail-oriented skills to maintain data accuracy and compliance.